The Investment Property Mortgage Broker
That Thinks Beyond Your Next Deal.
Most investors stall not because of equity, but because of structure. Most brokers won't tell you that until it's too late. At Loans Australia, every loan is designed with your next purchase already in mind: 165+ lenders, 30 years of complex investment lending, and a team built to grow portfolios, not just close transactions.
Approvals Your Bank Has Already Declined: We find which of our 165+ lenders will say yes to your exact situation, and get you the approval your current bank won't give you.
Structure That Keeps Deal #4 on the Table: Every loan we write accounts for your next 2–3 purchases, so today's approval creates capacity instead of a ceiling.
30 Years. $1B+ Settled. Complex Deals Welcome: Three decades of investor lending across every market cycle. The harder the scenario, the more we've already seen it.
Check Your Investment Property Borrowing Capacity
Trusted by SMSF Investors
Proven Results That Speaks for Themselves
In Investment Loans Settled
Lenders Compared
Years of Property Finance Experience
Investor Testimonials
Our Partners
Accredited to Compare 165+ Leading Lenders
Our Solution
Finance Built for Property Investors. Not Just Homeowners.
The Process
Getting Your Next Investment Property Approved Is This Simple.
5 Star Rated
From 250+ Investor Testimonials
Reviews
What Our Property Investor Clients Say
Investors who came to us with complex situations, and left with a clear path forward.
Sandra and Debbie from Loans Australia delivered exceptional mortgage broker support. Their technical skills, clear explanations, and proactive guidance made the entire process smooth and stress-free. Their customer service was consistently warm, responsive, and reliable. I couldn’t be happier with the outcome and highly recommend them to anyone seeking true professionals for their outstanding ongoing assistance.
SH
Stacy Howard
Verified Google Review
Anthony Ryan was absolutely brilliant during my journey towards purchasing my first home! He was so patient and kind with answering my endless questions which I appreciate so much. He also linked me up with an excellent Buyer's advocate who found me my dream home. Would highly recommend Anthony and will definitely be in touch for my next purchase!
DJ
Diana Jakobson
Verified Google Review
I’ve used Loans Australia more than once now, and every experience has been outstanding. Anthony, Debbi and Primalin were all fantastic to deal with — professional, responsive, and genuinely committed to acting in my best interests. They make the whole process smooth, always keeping me informed and helping me secure the best possible outcome. Highly recommend the team at Loans Australia!
L
Luke
Verified Google Review
We recently re mortgaged with Loans Australia. We were provided multiple options within 2 business days, and once we agreed on our new provider our application was submitted within a couple of days. The provider we chose took a little longer than expected to settle due to a high volume of applications, which was communicated by the Loans Australia team, and they provided regular updates. They make the process relatively easy and we would recommend them to others.
KM
Keryn McNamara
Verified Google Review
I am incredibly thankful to the team at Loans Australia for their assistance in enabling me to purchase my first property. Stephen and his Team worked diligently and efficiently to ensure I was able to purchase the property I wanted. The Loans Australia Team were always easy to contact, very responsive, and importantly, had the knowledge and know-how to get the job done. I highly recommend Loans Australia!
SF
Shiroy Fernando
Verified Google Review
I had Anthony Ryan as my broker to finance my investment property purchase and to refinance my existing property. Anthony and his team were excellent and were very experienced. They gave me detailed information on various financing options, helped me to structure my loans, and handled the transactions extremely smoothly from start to finish. They also keep me updated whenever a milestone is reached to make sure that I stay informed. I highly recommend Anthony to anyone who want to get a mortgage for his/her property, and will definitely use him again.
EP
Edmund Poon
Verified Google Review
The team at Loans Australia are outstanding and was able to assist me with a loan for the SMSF. They took care of all the heavy lifting and were available to assist and follow up to ensure that everything was on track! Highly recommend Loans Australia as trusted partner in your investing journey!
JB
Jeff Bathan
Verified Google Review
Your Investment Property Finance Specialists
Meet Stephen & the Loans Australia Team
Stephen McClatchie spent 30 years building one thing: a firm that treats property investors the way they should be treated: as portfolio builders, not just transaction opportunities. Every broker on the Loans Australia team is trained in his proprietary 4D Framework™ and held to the same standard: strategy first, product second. Whether you're buying property 2 or property 8, you get the same depth of thinking, the same forensic review of your current position, and the same commitment to structuring your lending so today's approval doesn't block tomorrow's deal.
$1B+ in Investment Loans Settled: Three decades of investment lending across every market cycle, rate environment, and portfolio stage.
165+ Lenders on Panel: Not tied to any one lender. We compare across majors, non-banks, and specialists to find the right fit for your exact structure.
MPA Top 100 - Five Consecutive Years: Nationally recognised for complex investment lending. Built on a reputation for solving the deals other brokers decline.
FAQ
Frequently Asked Questions
Everything you need to know about financing your next investment property.
My bank says I've hit my borrowing limit. Is that actually my limit?
A: Usually not. When your bank says you've maxed out, they mean you've hit their limit based on their own calculators, their own serviceability buffer, and their own products. We compare 165+ lenders, and every one of them assesses borrowing capacity differently. Some count more of your rental income, some apply a lower stress-test rate, some have more flexible policies for investors with growing portfolios. In many cases, what looks like a hard ceiling is simply the wrong lender. We'll tell you exactly what's possible before you waste time going in circles.
I have 2–4 investment properties and my existing broker seems fine. Why would I switch?
A generalist broker will find you a competitive rate and move on. We think differently. Every recommendation we make is built around your next 2–3 acquisitions, not just the loan in front of us. We look at entity structure, equity separation, cross-collateralisation, and which lenders will serve you best at your next stage of portfolio growth. If your current broker hasn't had this conversation with you, you may already be structuring yourself into a corner.
My income is complex. I'm self-employed, or I have a mix of rental, PAYG, and business income. Can you still help?
This is exactly what our team is built for. Complex income scenarios, trust structures, company income, blend of rental and employment, prior declined applications all go in the too-hard basket for most brokers. We have 165+ lenders including specialists who understand non-standard income, and 30 years of experience structuring these applications correctly. If it's complex, it's our wheelhouse.
Will applying affect my credit score?
The strategy session itself has zero impact on your credit file. We don't run a credit check at that stage. We assess your full position first, identify the right lender before we approach anyone, and only submit a formal application when we're confident of the outcome. This protects your credit score from unnecessary hits, which is especially important for investors making multiple applications over time.
How long does it take from first conversation to approval?
A conditional pre-approval typically takes days, not weeks, once we have your documents in order. We move fast because we do the upfront work correctly. The right lender selection and application packaging means we don't lose time back-and-forth with credit teams. Our goal is to have you in a position to make an offer confidently, not scrambling for finance after you've found the property.
What does it cost?
Nothing. Our service is completely free to you. We're paid a commission by the lender when your loan settles. This is standard practice across all Australian mortgage brokers and has no impact on the rate or terms you receive. If a specific scenario involves a specialised structure that incurs a broker fee, this is always disclosed and agreed upfront, before we do anything.
Privacy Policy